Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$223,701Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$234,078The complete starting cash picture.
Estimated remaining funds due at closing
$234,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,700.78
Your down payment$223,700.78
Closing costs + prepaids$10,377.54
Total buyer cash needed$234,078.31
Remaining funds due$234,078.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.50
Initial HOA (3 months)$750.00
Prepaid interest, first (9 days)$65.04
Fees + prepaids$10,377.54
Your down payment is the seller’s equity. You take over the $74,299 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $234,078.31 is due at closing. Uses and sources reconcile at $308,377.54 each. Not a Closing Disclosure.